The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$63,364
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$65,335
−HK$2,003/mo
Today · 4.125%
HK$67,338
baseline
▲ 0.50% · 4.625%
HK$71,435
+HK$4,097/mo
Deposit HK$13.89M · loan HK$13.89M · min. income ≈ HK$134,676/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,492
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$72,383
−HK$1,918/mo
Today · 4.125%
HK$74,301
baseline
▲ 0.50% · 4.625%
HK$78,217
+HK$3,916/mo
Deposit HK$13.89M · loan HK$13.89M · min. income ≈ HK$148,602/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,037
−HK$4,768/mo
▼ 0.25% · 3.875%
HK$78,402
−HK$2,403/mo
Today · 4.125%
HK$80,805
baseline
▲ 0.50% · 4.625%
HK$85,722
+HK$4,917/mo
Deposit HK$11.12M · loan HK$16.67M · min. income ≈ HK$161,610/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,591
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$86,859
−HK$2,302/mo
Today · 4.125%
HK$89,161
baseline
▲ 0.50% · 4.625%
HK$93,861
+HK$4,700/mo
Deposit HK$11.12M · loan HK$16.67M · min. income ≈ HK$178,322/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,710
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$91,470
−HK$2,803/mo
Today · 4.125%
HK$94,273
baseline
▲ 0.50% · 4.625%
HK$100,009
+HK$5,736/mo
Deposit HK$8.34M · loan HK$19.45M · min. income ≈ HK$188,546/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,689
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$101,336
−HK$2,685/mo
Today · 4.125%
HK$104,021
baseline
▲ 0.50% · 4.625%
HK$109,504
+HK$5,483/mo
Deposit HK$8.34M · loan HK$19.45M · min. income ≈ HK$208,042/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,056
−HK$7,152/mo
▼ 0.25% · 3.875%
HK$117,604
−HK$3,604/mo
Today · 4.125%
HK$121,208
baseline
▲ 0.50% · 4.625%
HK$128,583
+HK$7,375/mo
Deposit HK$2.78M · loan HK$25.01M · min. income ≈ HK$242,416/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,886
−HK$6,855/mo
▼ 0.25% · 3.875%
HK$130,289
−HK$3,452/mo
Today · 4.125%
HK$133,741
baseline
▲ 0.50% · 4.625%
HK$140,791
+HK$7,050/mo
Deposit HK$2.78M · loan HK$25.01M · min. income ≈ HK$267,482/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,002 · Scale 2, in force from 26 Feb 2026)